Underlying Insurance Schedule Checker.

How to use the result.

Enter the proposed start and end dates in YYYY-MM-DD format and the legal entity you want to compare. These inputs define the check; the tool does not know the umbrella or excess insurer’s requirements. Confirm the actual insured parties, policy periods and required underlying limits from the placement documents before treating the result as useful.

Paste a CSV with coverage, insured, effective, expiration, limit and required_limit columns. Use one row for each coverage and limit you are comparing. A single policy may have several relevant limits, such as each occurrence and aggregate. Label those rows clearly rather than merging unlike limits into one number. The required limit must come from the actual requirement you are checking.

Review name differences against the policy documents. The checker ignores letter case and repeated spaces, but a spelling match does not establish that every related entity is insured. A parent company, subsidiary and DBA can require different treatment. Conversely, punctuation or an abbreviation may create a warning even where the actual insured is correct.

Review the full time span for each row. The checker flags listed dates that do not cover the proposed period. It does not account for policy times of day, cancellations, reinstatements, endorsements or future renewal assurances. When an underlying policy expires midterm, record the follow-up needed to obtain and review replacement evidence instead of assuming uninterrupted coverage.

A practical example.

An umbrella is proposed for November 1 through the following November 1, but the auto policy expires March 1 and names a related LLC. The tool flags the shorter period and name difference. Neither warning tells you that the account is uninsurable. They identify facts to reconcile with the broker and intended market, including the actual insured schedule and how renewed underlying insurance will be evidenced.

Illustrative preparation example, not an account outcome.

What this check does not establish

This comparison does not determine whether an umbrella follows form, whether an exclusion applies or whether a particular underlying insurer is acceptable. It does not verify aggregate exhaustion, deductibles, self-insured retentions, other insurance clauses, coverage triggers or claims-made continuity. A limit that meets the number you supplied can still fail another requirement. Read the actual policy and proposed excess terms.

Keep the working file under your control.

The checker runs locally in the browser. It does not upload the schedule or send its values to Hedge. Closing or refreshing the page clears the unsaved inputs. Avoid pasting information unrelated to the check, and keep the original application and policy documents as the authoritative source.

Optional usage measurement records the tool action, not the rows, names, addresses, values or results. The check is a preparation aid. It does not create an account, release documents or notify an insurer. When you are ready for an account review, use Hedge’s existing submission process and provide the documents appropriate to that account.

Record your corrections in the source file so the improvement survives outside this page. If a warning cannot be resolved, explain it in the submission narrative. A transparent outstanding question is more useful than an apparently complete schedule based on assumptions. Keep the supporting evidence and the latest version together for subsequent renewals or endorsements.